Texas Capital Bank Review
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At a glance
Best regional bank
Overview
Texas Capital Bank offers most of its accounts nationwide, including its competitive certificates of deposits (CDs). The bank doesn't charge a monthly maintenance fee on its accounts either. But its high-yield savings account is only available to those living in Texas.
Highlights:
High APY ATM Fee Refunds Low FeesHighlights:
CDs
Checking
Savings
MMA
Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.
These are sponsored offers rated highly by us for competitive rates, fees, and minimums.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Savings rating = 4.2/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Savings rating = 4.4/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Savings rating = 4.4/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Overall
Texas Capital Bank is a commercial bank based in Dallas that offers consumer deposit products as well as business and investment banking. Texas Capital offers competitive annual percentage yields (APYs) on its CDs and high-yield savings accounts. While most of its accounts are available nationwide, the high-yield savings account is only available to residents of Texas. Regardless of where they live though, customers can get access to their money without fees through more than 55,000 ATMs.
Pros
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The bank offers competitive APYs on many of its deposit products.
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Fee-free access to more than 55,000 ATMs.
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Texas Capital Bank offers a full suite of banking services, with investing and business offerings. It also operates an online-only banking division called Bask Bank.
Cons
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You need to be a Texas resident to open the bank's high-yield savings account.
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The bank still charges overdraft fees, though at $15, it's lower than what some other banks charge.
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The bank's money market account requires massive minimum deposits to earn the highest yields.
Texas Capital banking products
Texas Capital Star High-Yield Savings Account
Pros
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There’s no minimum deposit to open or earn interest on the account.
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The account offers a highly competitive APY.
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There's no monthly service fee.
Cons
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Only customers with a Texas residential address can open the Star Savings account.
Texas Capital Bank Certificates of Deposit
Pros
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The APYs for almost all CD terms are competitive.
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The $1,000 opening deposit is relatively standard.
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It has a one-month and three-month CD, for customers who don't want to tie up their money for a long time.
Cons
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The bank only offers six CD terms, so you'll want to look elsewhere for variety.
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The longest term available is 24 months.
Texas Capital Bank Star Money Market Account
Pros
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There is no monthly service fee.
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The account comes with a debit card.
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You can make unlimited transactions, including ATM withdrawals.
Cons
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Higher yields can be found at other banks.
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The account requires a $500 daily balance to earn interest.
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To earn the highest tier APY, you need at least $25 million in deposits.
Texas Capital Bank Star Plus Checking Account
Pros
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The Star Plus Checking account doesn’t charge a monthly service fee.
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The account earns some interest on all balances.
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You'll get $20 in ATM fee rebates each month, which is higher than what many other banks offer.
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Accounts have access to peer-to-peer transactions through Zelle.
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There's a $50 cushion for overdrafts, and while the bank has an overdraft fee, it's much lower than the national average overdraft fee.
Cons
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You can find higher yields on checking accounts at other banks.
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There are overdraft fees of $15 per overdrawn transaction, up to 3 times per day.
Bank fees
| Fee | Charged? |
|---|---|
| Overdraft fee | $15 |
| Non-sufficient funds fee | None |
| Monthly maintenance fees | None |
| Out-of-network ATM fee | None |
| Excessive transaction fee | None |
Customer experience
Customer service. Customer support by phone is available Monday through Friday from 7 a.m. to 6 p.m., and Saturday from 9 a.m. to 4 p.m., all Central Time. You can also email the bank.
Digital experience. The bank has a mobile app that is highly rated among iOS and Android device users. And you can make person-to-person payments using Zelle. You can also use your Texas Capital Bank-issued debit card fee-free at any Texas Capital Bank or Allpoint network ATM.
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Review methodology
We assign a score to each type of account and its features, weigh them carefully based on importance to account holders and determine an overall score. Read our full review methodology.
